Making finance more rewarding

Helping borrowers and investors achieve more (for less) every day.

Loans and investments


Achieve more with Australia’s most-loved consumer lender

Low personalised rates. Get a personal loan, car loan and green loan that rewards your good credit with even better rates.

Award-Winning Loans. Canstar Outstanding Value award winner for personal loans (2015-2019) and new and used car loans (2019).

Quick and easy loans. Compare features and pricing on personal loans up to $45,000 and car loans up to $100,000.

savvy personal loans shopper


Start investing with as little as $10 and earn up to 7.0% p.a.

Earn up to 7.0% per annum investing in the stable, established asset class of consumer loans.

You’re in control of your investment. Choose a term that suits you and set your own rate in one of our four lending markets.

Provision Fund protection helps protect your returns. Whilst no guarantee, no investor has lost a cent of interest or principal as due.

smart investing with peer-to-peer lending

About RateSetter

We think Australian investors should get more and borrowers should pay less. Through our technology-led lending and investment platform, we’re able to connect those who have money to invest with those who want to borrow it, providing better value for everyone.

RateSetter launched as Australia’s in 2014. We are licensed to provide services to all Australians, not just wholesale and sophisticated investors. So far we have funded over $750m in loans to over 45,000 people and attracted over 20,000 registered retail investors.

*Comparison rates for variable rate loans over 1 and 2 years are based on an unsecured personal loan of $10,000 over 36 months. Comparison rates for fixed rate loans over 3, 4 and 5 years are based on an unsecured personal loan of $30,000 over 60 months. Rates shown assume a customer with an excellent credit history and are current as at 3am, 5 July 2020. RateSetter credit criteria and terms and conditions apply. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Representative Example: Based on a loan of $30,000 over 60 months a borrower with an excellent credit history can expect to pay a total of $36,780. This represents a comparison rate of 8.33% p.a. and includes all interest and fees included in your loan repayments over the life of the loan. RateSetter personal loans are available for a minimum of 6 months to a maximum of 5 years. Interest rates range from 7.49% p.a. (comparison rate 8.33% p.a.) to 13.89% p.a. (comparison rate 24.41% p.a.). Rates are subject to change depending on the rates offered in our Lending Markets.

”Earn up to” rate represents the last matched rate in the 5 Year Income lending market as at 3am, 5 July 2020. Rates are not set by RateSetter and are subject to supply and demand of borrower and investor funds in each market.

^Rates shown are last matched rates, displayed on an annualised basis and net of applicable fees as at 3am, 5 July 2020. Lender rates may assume payments received are continually reinvested at the stated rate and assume your investment is protected by the Provision Fund in the event of any borrower late payment or default, however, there is no guarantee nor warranty as to any protection from the Provision Fund. Fees apply for using early access feature. See the Product Disclosure Statement for details.